Bank tries to "salvage the boundary"

"Pro, welcome to a certain line of online shopping mall!" "This kind of Taobao, is widely used by banks in their own electric business practice, and its behind hidden great ambition." Just this ambition, close at hand is also the horizon.

Text/Zhang Shule was originally contained in the January 2013 issue of the "innovation Times"     as the electric business is at a good battle, the banks with rich customer resources are also aiming at a huge potential e-commerce market. China Construction Bank E-commerce Financial Services platform "good business" recently opened, become the first batch of domestic banking and operation of a comprehensive platform for the "crab eating." 　　 As of last year, December 26, the on-line six months, the business platform of good and financial turnover exceeded 3 billion yuan. The     Bank's foray into the electricity business is not only a fact, but also looks beautiful.　　The bank plays the electric dealer drunk Weng's idea     a popular saying is that the current Chinese manufacturers of the first camp, has been "seven-man hegemony" pattern: the day cat, Jingdong Mall, Dangdang, Amazon China, Suning easy to buy, Gome Online Mall, QQ Network shopping.　　Now, the banking industry to join the Electric War group, the seven-male hegemony of the pattern or will change. One IT industry sees why banks suddenly enter the electricity business: Originally the bank is not directly involved in this kind of new business areas, mostly just to invest, with the rapid development of e-commerce, its booming situation let the bank ewe, but not enough to become the reason for its march, the most critical is, 2012 years, online payment,　　 Mobile payment, network loans and other emerging payment methods have risen, the bank in the traditional deposit and loan exchange area has been a comprehensive "siege", at this time, banks must break through.     has data show that, July 23, the bank Taobao flagship store officially opened, become the first to land Taobao banks.　　 At present, the delivery of the flagship store interface is divided into precious metals, funds, insurance, credit and small business loans, VIP customer service and bank cards, such as six modules.　　     But this is only the extension of the bank's own business, and the desire to be a dealer makes it impossible for banks to satisfy.     CCB is undoubtedly a more broad footsteps, in the first one months of trading Taobao, it's "good business" has been on the line trial, providing business-to-business and customer operation mode, covering the wholesale, retail and housing transactions and other fields, can provide customers with information release, transaction matchmaking,　　 Community Services, online financial management, online customer service and other ancillary services.　　     A shot, is a micro-Taobao, CCB's big big in fact represents the vast majority of banks play electricity business voice.　　     has a large financial support, the most generous business network, over billion of customer resources, and "good business" a shot, is playing a free card, the merchant's entry fees, management fees, profit sharing, advertising fees and so on all free, this recruit to those who must pay for the other large electric platform business is also a temptation.     Industry analysts believe that the construction Bank so do not follow the common sense of the card, its purpose is not to disrupt the market, but the use of electricity to adjust their own strategic posture, it was pointed out that, and the General Electric platform of the charging profit model, the bank to kill into the field of electricity is not very important to the merchant's fees, but the importance of the dealer's trade chain financial opportunities. 　　 This positioning from the "good business" platform of the name can be seen, CCB outstanding is "Rong" service, coveted is also the electricity merchant merchants "melt" the opportunity.     and businesses seem to enjoy it, Suzhou Kai Poetry Fashion Company, is a specialized production and sales of towels, bedding and other textile enterprises, the company declared that it became the "good business" E-commerce platform of the first merchants, sales are very hot, currently has accepted more than 9000 single business, Much more than expected. And the most business heart is the bank to give the funds to quickly withdraw capacity. Beijing Oriental Ya Products company Financial project director Wang admitted that they first was the construction bank's capital settlement advantage to impress. "The money that the buyer calls can be immediately drawn to our account."　　 "Their company also joined Taobao, Jingdong Mall, but the withdrawal of funds will take at least 7 days or even 1 months."     "Pro, welcome to a certain line of online shopping mall!" "This kind of Taobao, is widely used by banks in their own electric business practice, and its behind hidden great ambition."

It's just bank fishing. The first step         to the front desk, is the bank to enter the real subtext of the electricity business.     Former general manager of China Construction Bank Electronic Banking department Xu said to the media: "Online payment settlement business is being eroded by third-party payment companies, banks have been at the end of the entire Internet industry chain payment settlement, CCB launched ' Good business "is to move the bank forward, from the source of information to provide services to customers, and through the customer on the platform of Transaction information mining, to provide effective financial services." "    An interesting phenomenon is that in the past two years, with the electric dealer" out "dealing with the upstream and downstream related industries are" electric shock ", such as the express big Guy Shun Fung, the major telecommunications operators. The latest fishing news was announced by Sinopec's Guangdong Petroleum Branch, Guangdong Oil E-commerce platform and the Czech Republic of Guangdong Province comprehensive network shopping platform for the official online operation, Guangdong millions of car owners and oil units will no longer need to operate the department and gas stations, free of time and place restrictions to complete the purchase of oil flow,　　　　 Check consumption records at any time, to achieve "home, online to buy oil."     Sinopec's strategic intent could be seen as the common goal of other electric shock industries. "Many traditional enterprises in the use of electric platform to expand their business, this is an inevitable trend, Sinopec is no exception, although the initial results are often not obvious, but the advance layout is not a bad thing." Lei, director and researcher of China e-commerce Research Center, said, "The significance of Sinopec's foray into the electricity business is perhaps more important than the shaping of its brand." "However, the bank's attempts are not only so," with the increase in the number of trading data in the electric business platform, the accumulation of individual customers and enterprise customers, the bank will be able to achieve transaction data, upstream and downstream, credit approval departments, product regulatory departments are connected through the network, so that loans more targeted, wind control system more at a glance. 　　　　 "A joint-stock Bank Electronic Banking department personage analysis said.　　　　     More critical nodes lie in the layout.     CITIC Bank retail Banking Department of Electronic Banking department general manager Chen Shujun that electronic banking innovation has three trends: all-round, personalized and intelligent, "the next step of electronic banking services may be widely used with the development of smart television."     It is clear that the bank's foray into the electricity business is not only to move the counter forward, but also to achieve a core strategic step of all-round. 　　 For banks, through the online construction of the electric business platform, without the ability to operate online goods, but also to achieve its financial product promotion, on the one hand to promote the supply chain of financial services system upgrade, on the other hand, can also bring the settlement of the capital deposit. The wild hope of     Bank is to expand the field of electric business, and gradually form an all-round financial trader.     But dreams and reality are sometimes unbearable. The crisis     dream of the bank's electric business strategy is plump, but the reality is bone.　　 This sentence used in the bank's collective electric shock in the present, quite appropriate.     This year, the Bank of communications "exchange", the Bank of China "cloud shopping" have appeared, ICBC and Citic Bank, Huaxia Bank, etc. also plan to follow up. "Domestic banks according to their own characteristics and strengths, before and after the introduction of a number of different forms of online shopping malls, including some points to exchange the main points mall, some credit card mall, there are some outside the chain nature of the mall. For banks, the electric-commercial financial platform will bring new customers, clients ' capital information and financial consumption to banks, including loans, payments and even financial management. 　　 "A banking analyst said.　　     But in addition to the construction Bank has been high-profile publicity, other banks to enter the electricity business is mainly silent, this is not in line with the necessary to enter the electricity business advertising to attract traffic principles.　　     has not expanded the scope of business is a key factor, and more importantly, the electric business has passed the era of happy enclosure, only for business concessions, but can not make consumers feel real good.     "In the construction Bank of the electric business platform, the vast majority of products on the platform of other electronic business, I really do not know why I must be here to spend." "A consumer to the author frankly:" has been accustomed to Taobao, Beijing-east, when and even every customer, such as the electricity business Platform shopping, the new electric business platform if not let my eyes a bright commodity or cheaper price guarantee, I will only do a crowd of onlookers. "    consumer inertia thinking to a large extent, restricts the bank to enter the pace of the electric business." Analysys report shows that the first half of this year, from the order volume, the sky cat amounted to 320 million yuan, Beijing East second for 60 million yuan, Dangdang third for 28.83 million yuan. Active user size, the day cat for 82.73 million households, Jing Dong for 11.55 million households, when 9.55 million households. In the supply chain capacity, the ability to operate the site, the cat, Jing Dong, when the top three in the market.　　 These are the fledgling banks of the electricity business in a short period of time can not be resolved.     Even the exclusive financial services, especially the precious metals trading, the bank's most powerful electrical and commercial products, is not showing much charm. From the current delivery of precious metal products sold online, Taobao flagship store and the bank's internal online mall sales of product types and prices are basically the same, the user has not yet shown enough attractiveness, and the current only precious metals can be purchased online, other products still need to pass the business hall, the personal network of bank,　　 Telephone banks and other channels to trade.   Not attractive enough, consumers don't buy it,The road of the bank electricity merchant is doomed to be difficult to walk, the abundant fund and the concession to the shop, but give a regular electric business platform to be branded as a bank's brand name, this is in fact in the electric business war pattern to set up today, the meaning is almost none.